Imali mboleko ye-home equity-eyaziwa nangokuthi i-equity loan, i-home equity installment, noma i-mortgage yesibili-uhlobo lwesikweletu somthengi.Imalimboleko ye-home equity ivumela abanikazi bezindlu ukuthi baboleke ngokumelene ne-equity ekhaya labo.Inani lemali ebolekiwe lisekelwe kumehluko phakathi kwevelu yemakethe yamanje yekhaya kanye nebhalansi yemali ebolekiwe yomnikazi wendlu okufanele ilandelwe.Izimali mboleko zezindlu zivame ukuba nezinga elimisiwe, kuyilapho enye indlela evamile, imigqa yezikweletu zekhaya (HELOCs), ngokuvamile inezilinganiso eziguquguqukayo.
Okuthathwayo Okubalulekile
● Imali mboleko ye-home equity, eyaziwa nangokuthi “imalimboleko yesitolimende se-home equity” noma “i-mortgage yesibili,” iwuhlobo lwesikweletu somthengi.
● Imali ebolekiwe yezindlu ivumela abanikazi bezindlu ukuthi baboleke imali yezabelo endaweni abahlala kuyo.
● Amanani emalimboleko yezindlu asekelwe kumehluko phakathi kwevelu yemakethe yamanje yendlu kanye nebhalansi yemali ebolekiwe efunekayo.
● Imali ebolekiwe ye-home equity iza ngezinhlobo ezimbili—imalimboleko yesilinganiso esingaguquki kanye nemigqa yezikweletu yezindlu (HELOCs).
● Izimalimboleko zezindlu ezilinganiselwe zinikeza isamba sesamba esisodwa, kuyilapho ama-HELOC enikeza ababoleki imigqa yekhredithi ejikelezayo.
Isikhathi sokuthumela: Jan-21-2022